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Économies de coûts dans les banques et les caisses d'épargne, impact de la taille et de la variété de produits

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  • Mohamed Sassenou

Abstract

[eng] Cost economies in french banking and savings institutions, impact of size and product diversification. . The present study seeks to compare economies of scale and scope between banks and savings institutions. Depending on the specifie nature of each of these two categories of institution, we use one or the other of the two dominant approaches in the literature on the theory of the banking firm : the production approach and the intermediation approach. In our model of the banking cost function, we use both Cobb-Douglas and Translog specifications. [fre] Économies des coûts dans les banques et les caisses d'épargne, impact de la taille et de la variété de produits. . Dans cette contribution, nous tentons de mener une analyse comparative sur les économies d'échelle et de variété dans les banques et les caisses d'épargne. Notre principal objectif est de construire des modèles reflétant au mieux les comportements particuliers de chacune de ces deux catégories d'intermédiaires financiers ayant une réglementation et une structure économico-financière différentes. Deux approches ont dominé la littérature sur la théorie de la firme bancaire (approche par la production ou par l'intermédiation). Nous discutons l'adaptabilité de ces deux approches à l'industrie bancaire et à celle des caisses d'épargne françaises. Dans la modélisation de la fonction de coûts bancaires, nous retenons les deux spécifications : Cobb-Douglas et Translog.

Suggested Citation

  • Mohamed Sassenou, 1992. "Économies de coûts dans les banques et les caisses d'épargne, impact de la taille et de la variété de produits," Revue Économique, Programme National Persée, vol. 43(2), pages 277-300.
  • Handle: RePEc:prs:reveco:reco_0035-2764_1992_num_43_2_409353
    DOI: 10.3406/reco.1992.409353
    Note: DOI:10.3406/reco.1992.409353
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    References listed on IDEAS

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